Who Needs Workers’ Compensation Insurance?
Indiana law requires workers’ compensation insurance for all businesses that have employees. Workers’ compensation insurance pays for medical care payments as well as lost wages for an employee who is hurt at work. Employers’ liability insurance is also part of workers’ comp policies, and provides coverage for your business in the event that you negligently cause a work-related employee injury that might not be covered by workers’ compensation. Do your employees travel to other states to work? If so, they get to choose which state they want their coverage in. Other states’ coverage can provide limited temporary workers’ compensation and employers’ liability coverage for your new business operations in states other than Indiana.
It is also important to have Certificates of Insurance for all subcontractors. In many instances, subcontractors who do not have the appropriate coverages become the responsibility of the business who hired them.
Creating a Safe Environment for Your Workers
Dean Ballenger Agency can provide your business the tools you need to implement a safety program designed specifically for your business. An effective program can help you control workers’ compensation costs. You’ll also have access to other risk control services and resources. Our goal is to create a cost-effective policy for your business. Keeping employees safe and helping them quickly recover from an accident keeps costs down. Employee safety is integral to maintaining a successful business. Work-related injuries happen, no matter how safe you and your employees are.
Features of our workers’ compensation policies include support services. These include professional loss control, injury and illness analysis reports and 24-hour toll-free reporting. Access to treatment in an occupational medical provider network and expert medical management also are available through a workers’ compensation plan. For more information about Indiana workers’ compensation insurance, click here.
Workers’ compensation insurance for your employees is mandatory by Indiana law. Don’t risk state penalties for insufficient coverage. We’ll review your existing policy for free as part of our agency’s stewardship philosophy.
Call us today at 317-867-5433 to discuss you worker compensation needs or simply stop in, we are local.